Online payment pages

Online payment pages

This practical guide will help you with the compliance requirements for offering Autogiro on your website.

The organisation responsible for the oversight of the Autogiro scheme, Bankgirot,
defines three types of online mandates for Autogiro (for more details see our guide to Autogiro mandates
here).

GoCardless uses mandates via an electronic mandate form (known as Medgivande via elektroniskt medgivandeformulär in Swedish).
This practical guide will help you with the compliance requirements to create this electronic document and to offer online Autogiro on
your website.

To create fully compliant payment pages for your customers, you will need to:

1. Serve your payment pages over HTTPS

2. Collect the payer's name, civic or company number and bank details

Why? This is the minimum information required to set up an Autogiro Direct Debit.

How? Collect this information on a payment page.

Name should include both first name and last name.
The name of the account holder can be different from the payer’s name (for example in a
B2B transaction) but you may suggest the concatenated first name and last name.

The Swedish civic/identity number must be collected from individuals (the personnummer,
or samordningsnummer for persons not registered in Sweden). The Swedish company number
(organisationsnummer) must be collected for companies.

Bank account details must include the sort code (clearingnummer) and account number
(konotonummer). Local bank account details are required for Autogiro in Sweden. It is not
possible to submit an Autogiro mandate against an IBAN.

Optionally, you may also want to collect the customer's email address as there
are notification requirements before payment is taken under Autogiro. See our guide to taking Autogiro payments for more information.

A fully compliant payment page collecting all of the above is shown below:

3. Provide your own company's name, address, company number and logo

Why? Ensures the customer is aware of who is collecting the payment.

How? Add a snippet of text on the page along with the company logo. Scheme rules also allow merchants
to display Bankgirot's logo instead if desired.

4. Display the customer's details back to them for confirmation and display the Autogiro mandate

Why? Confirm the customer's approval and provide the Autogiro terms, conditions and rules that the payer accepts by signing a mandate.

How? Display a final confirmation before the form submits, and provide a copy of the mandate.

The formatting of the mandate is at your discretion, but you must include the following details:

The customer's information: name, civic/company number and account details, as described above

The customer's Payment Service Provider (their bank)

Your company's details, as described above

The date the mandate was created

Bankgirot provides mandatory text that must be included on the mandate verbatim.
The mandatory wording is available in English and Swedish.

You can see a compliant electronic mandate confirmation page below:

Clicking 'View your Direct Debit instruction' opens the electronic copy of the mandate.
You can see an example of this here.

Once a customer has confirmed the electronic mandate, you should create a
timestamp of the transaction. You should also store their IP address or a log of the transaction.

Autogiro and GoCardless

GoCardless is an end-to-end Autogiro provider. We can either completely handle Autogiro compliance on your behalf,
or guide you through your own custom implementation.

have been translated into English and Swedish (we automatically detect your customer's language and show them the payment page in
their preferred language)

can be customised with your business name and logo

Alternatively, if you want to design and host your own payment pages you can use
the GoCardless Pro API to do so. Your Account Executive will support you during
your implementation of the Autogiro compliance guidelines.

To find out more about collecting Autogiro payments, or to register your
interest with GoCardless, check out our website.

GoCardless (company registration number 07495895) is authorised by the Financial Conduct Authority under the Payment Services Regulations 2009, registration number 597190, for the provision of payment services.

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